Contract Works Cover
What is Contract Works Insurance?
Contract Works Insurance is a type of coverage that protects builders, contractors, and tradespeople from potential risks during ongoing projects.
Whether you’re constructing a new building or renovating an existing one, this insurance helps cover unexpected damage or losses, allowing you to focus on the work at hand with peace of mind. It's designed for anyone working on temporary or long-term projects, ensuring that their investment in time and materials is safeguarded against unforeseen incidents.
What does Contract Works Insurance cover?
Contract Works Cover safeguards your construction projects against unforeseen events like accidental damage, theft, fire, flood, and vandalism.
Whether you're building from the ground up or renovating, this cover ensures that your work-in-progress, materials, and temporary structures are protected. However, it doesn't extend to issues arising from design faults, wear and tear, or completed work that's already been handed over to the client.
- Coverage for losses resulting from theft or accidental damage on-site.
- Protection for materials and equipment stored at a different location.
- Coverage for the cost of professionals needed to repair or replace damaged property.
- Protection for plant equipment that’s essential for completing the project.
- Work that’s already been completed and handed over to the client.
- Damage caused by design faults, defective materials or poor workmanship.
- General wear and tear, or gradual deterioration over time.
This content has been created for general information purposes. To ensure you have the correct level of insurance please see our full policy wording.
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Insurance built around the needs of the UK’s small businesses
Fast claims processing
If you need to make a claim, we've made it quick and easy, so you can get straight back to work knowing everything’s being taken care of.
Top-rated Customer Service team
Our friendly South Wales-based team is here to assist you every step of the way. Give us a call to speak directly with our specialists, who are ready to provide the support you need.
Everything in one place
Our easy-to-use online portal allows you to access your policy documents, manage payments, and make changes, all in one place and at your convenience.
Zero hidden fees
Update your policy at any time with complete flexibility, and enjoy the peace of mind that comes with no penalty fees, no admin charges, and no hidden costs.
Who Needs Contract Works Insurance?
Contract Works Insurance is beneficial for a wide range of businesses and tradespeople, including builders, electricians, landscapers and renovators. Each of these sectors faces unique risks in their work, and without the right insurance, even a minor incident could lead to significant financial losses.
When Do You Need Contract Works Insurance?
You need Contract Works Insurance if you’re developing, renovating, or building a property and want to safeguard yourself from financial loss. Imagine you’re halfway through a build, and a fire destroys your work and materials. With Contract Works Insurance, the costs to replace materials or redo the work are covered.
Is Contract Works Insurance the same as Contractors All Risk?
Contract Works Insurance and Contractors All Risk Insurance cover similar risks however they are slightly different. Contract Works Insurance is focused on covering physical damage to the construction project itself, while Contractors All Risks Insurance provides broader protection, including public liability and legal defence costs, along with coverage for the works and equipment.
Contract Works FAQs
*Price based on tradespeople with no claims and a minimum of 4 years’ experience in their trade. Your quote will be personalised to your requirements and will reflect the risks you need to be covered against. The price is correct as of 08 May 2025.